There’s not much worth noting from this blog post (I’m disappointed, it’s a list of Starling’s app’s security features but doesn’t explain the trade off between different approaches or increased security & increased friction…maybe my expectations are too high ) but it does mention that if you’ve rooted your phone, the app won’t work -
When you root your phone, there’s always the risk that you may have downloaded a compromised app that later accesses your valuable data, or will give your phone a virus. It’s important to us to be able to determine the integrity of your smartphone. When our app is installed it performs a set of checks to determine if the phone is safe for running our mobile app — if it’s been tampered with or modified, our app simply won’t run, protecting our customer accounts from attacks from the insertion of malicious code.
Good question, that’s mentioned in the blog post too but I left that bit out of my quote, here’s their explanation -
if you’re an Android user, you might be aware of the concept of rooting your phone — that is, giving your phone privileges by modifying the software code on your device or installing software that your phone manufacturer wouldn’t usually allow you to do. For most people who choose to do this, it’s about customisation and having the flexibility to have total access to the operating system. For users of older phones, it’s useful for keeping up to date with the latest Android version and security patches.
I was actually offered an account with starling back in March but was turned down because of my credit score I assume their reply when I messaged them was ’ we are unable to offer you an account at this time’, im just hoping Monzo don’t do the same!
I dunno, I think it’s going to be difficult over there as you don’t really have a choice as it were where you bank… well you do but most people just go with the bank your company bank with as it’s easier due to Visa and salary certificates etc. In my case I’m with Emirates NBD as that is who my company bank with.
Quite impressed with starling so far. Their app may be missing some of the functionality that Monzo has but it’s still pretty good. Very quick responses from their support also, but guess their user base is small still